KONTRIBUSI KOPERASI TERHADAP UMKM

Kontribusi koperasi dan UMKM merupakan salah satu cara untuk meningkatkan kesejahteraan kehidupan dan perekonomian rakyat Indonesia. Salah satunya dengan melalui penyediaan lapangan kerja yang maksimal serta mengurangi tingkat kemiskinan yang ada di indonesia. UMKM juga menciptakan peluang kerja yang cukup besar bagi tenaga kerja sehingga sangat membantu upaya mengurangi pengangguran. Walau UKM merupakan salah satu sektor pengaman agar terhindar dari pengangguran, namun sektor usaha ini pada umumnya relatif lemah dari sisi manajemen bisnis. Ada sejumlah kelemahan. Ada lima kelemahan terkait kondisi UKM secara umum yaitu Kelemahan dalam mengakses pasar, Kelemahan dalam akses teknologi, Kelemahan dalam akses modal, Kelemahan dalam manajemen keuangan, Kelemahan SDM. walau banyaknya UMKM yang terkendala sejumlah kelemahan, ternyata banyak UMKM yang memiliki prospek bagus dalam perkembangan bisnis. Mereka ini disebut UMKM unggulan, karena di tengah-tengah krisis ekonomi yang melanda, justru beberapa UMKM mampu berkembang pesat. Koperasi sebagai suatu badan usaha yang secara tidak langsung berperan dalam memajukan perekonomian suatu negara, mempunyai peran yang penting dalam perkembangan UMKM. Cara koperasi membantu UMKM biasanya dengan memberikan bantuan dana, melalui koperasi simpan pinjamnya. Dari situ, UMKM akan mengembangkan usaha mereka. saat ini koperasi semakin memegang peranan dalam UMKM, sesuai keterangan yang disampaikan oleh Wakil Presiden bahwa pemerintah akan melibatkan Koperasi sebagai wadah untuk menampung dan mengembangkan hasil produksi sektor UKM, saat membuka seminar One Product One Village (OYOP) di Bali pada 14 Nopember lalu.

Jadi kontribusi koperasi dan uMkm sangat berkaitan dan saling membantu satu sama lain guna meningkatkan dan memperkuat perekonomian rakyat Indonesia.

Ref : http://wartawarga.gunadarma.ac.id/2009/12/kontribusi-koperasi-terhadap-perkembangan-umkm/ dan http://mhzen.wordpress.com/2009/01/12/ukm-banyak-kelemahan-tapi-tahan-banting/

Nutrients needed by the body

More than 75% of women are not adequate to the daily needs of vitamins or minerals. Consuming a multivitamin is fine, but it still will not replace the real nutrition. Raw foods contain vitamins and minerals will help reduce the risk of various diseases such as cancer and heart attacks. Below you can see what kind of vitamins and minerals you everything you need:

Vitamin D
Why needed: Vitamin D helps you maintain strong bones, boosting immunity, and prevent cancer cells grow, according to a study from Harvard University. A panel of experts stated that women under the age of 50 years need 10 times more than the recommended every day.

How to get it: Drink two glasses of milk with vitamin D every day. In addition, sitting under UV light also triggers the skin to produce vitamin D. sit up to 15 minutes in the open air between 11.00-14.00 o'clock twice a week. Use a sun cream with SPF 8 or below, said Joan Pleuss, RD, a nutritionist from the Medical College of Wisconsin in Milwaukee. But do not overdo it, especially if your family has a history of skin cancer.

Magnesium
Why needed: Low magnesium levels can cause menstrual migraines, and headaches when under stress, and increase the risk of diabetes.

How to get it: For starters, just eat as usual. In the latter study, adults who are always breakfast, lunch, dinner, and two snacks, more potential to meet the recommended dietary limits (recommended dietary allowance, or RDA) for magnesium, than did not. "The amount of magnesium in the diet is not much, so eating more would increase the difference," said Pleuss. Materials most recommended foods: nuts. A ounce of nuts of any kind to offer 20% RDA (320 mg for women over 30 years).

Iron
Why needed: Lack of iron levels can increase the risk of anemia and fatigue and lead to hair loss.

How to get it: Hold a barbecue! Three ounces of beef provides approximately 20% RDA (18 mg for women under 50 years). Similarly, if you eat soy, tofu, spinach, although iron from plant materials are not easily absorbed by the body. "Add the tomato salad or a piece of orange into a vegetarian menu. Vitamin C it will help your body utilize iron," says Dee Sandquist, RD, a spokesperson for the American Dietetic Association.

Calcium
Why needed: Calcium is often referred to as a bone builder, but these minerals also reduce symptoms of PMS, such as mood changes and cramps, about half. Research conducted at Columbia University showed that people who consume enough calcium to have a lower risk (31%) of pramenopause breast cancer, and reduce the risk by 11% to high blood pressure.

How to get it: Complete your breakfast cereal or milk, then you have to meet your calcium needs by 51% than that skip breakfast or eat other foods. Choose a cereal with 10% or more RDA (1000 mg), eating one or two foods made from milk every day, and consumption of multivitamins that contain calcium.

Folic Acid
Why needed: Usually, we just heard that folic acid pregnant women is needed, but all she really needed it. Research shows that folic acid deficiency increases the risk of heart attacks and colon cancer.

How to get it: Consumption of salads. Women who eat a salad every day will meet the RDA of folic acid was 41% (400 mcg). If you are pregnant, taking folic acid supplements with 100% RDA.

posted by: akperku.blogspot.com
from: kompas

Healthy Life With Tomatoes

ALTHOUGH cheap, nutrient-rich tomatoes. In the outer layer is lycopene, an antioxidant that can prevent various types of cancer. Can also be processed into a variety of drinks and fresh food that could shake up the tongue.

Tomatoes are by botanists called Lycopersicum esculentum Mill, is a plant of the Solanaceae family, which is blooming like a trumpet. Tomato plants, including one year (annual) which means that old one-time only for the harvest period. This plant shrubs or bushes shaped length can reach 2 meters. Stem form to a round square. there is a gap of pinnate leaves without leaf buffer.

The shape, color, taste, and texture of tomatoes is very diverse. There is a round, round, flat, curly, or like a light bulb. Ripe fruit colors vary from yellow, orange, to red, depending on the type of the dominant pigment. It was also varied, from sour to sweet. The fruit-bunches are arranged in bunches. Overall fleshy fruits and are loaded with water.

Various varieties
Some basic varieties used to distinguish among them tomato shape, stem, thickness of meat, and water content. Based on the shape or appearance, tomatoes are classified as follows:

1. Ordinary tomatoes (Lycopersicum commune)
Form of flat round fruit, soft, irregular, and slightly grooved near the stem.

2. Apples Tomato (Lycopersicum pyriforme)
Shape of a round, compact, a little hard to resemble an apple.

3. Potato Tomato (Lycopersicum grandifolium)
Fruit is round, large, compact, with smaller sizes of tomatoes apples.

4. Curly tomato (Lycopersicum validum)
Slightly oval-shaped fruit, hard. The leaves are thick curly and dark green.

Utilization

Tomatoes can be used either in fresh or in processed form. In the form of fresh, tomatoes are often used as a food supplement ingredients (vegetables), for salads, sandwiches, chili, and so on.

In the form of processed tomatoes can be made into various kinds of canned products, such as whole tomatoes, tomato slices, sauce, and puree. In addition, you can make fruit juice and concentrated to produce tomato paste.

So far the results have been processed tomatoes are widely known by the public is fruit juice and tomato sauce. Fruit juice (fruit juice) is a liquid that does not undergo a process of fermentation, but obtained from the pressing process the fresh fruit and ripe. Processing of tomatoes into juice, but can produce a more durable product, is also a practical beverage, delicious and refreshing taste, is also beneficial to health.

Tomato sauce used for flavoring food. Making the sauce is done by evaporating some of the water from which the fruit juice viscosity desired. Into the fruit juice concentrates are added to a variety of savory seasonings. In order to become more thick sauce, often also added starches and other thickening.

Rich in Vitamin C and A

Tomatoes, both fresh and processed form, has a nutrient composition of a complete and good enough. Tomato fruit consists of 5-10 per cent of dry weight without water and 1 percent of the skin and seeds. If dried tomatoes, about 50 percent of the dry weight of reducing sugars (mainly glucose and fructose), the remaining organic acids, minerals, pigments, vitamins, and lipids.

Tomatoes can be classified as a source of vitamin C are very good (excellent) for 100 grams of tomato filled 20 percent or more of vitamin C daily needs. Vitamin C to maintain healthy teeth and gums, speeding up wound recovery, prevent disease Scurvy (skorbut), and avoid the occurrence of smooth vascular hemorrhage.

In addition, tomatoes are also a source of vitamin A is good (good) for 100 grams of tomatoes may contribute about 10-20 percent of daily vitamin A requirement. Vitamin A is necessary for the health of the organ of vision, the immune system, growth, and reproduction. Vitamin A and C in tomatoes is also efficacious as an antioxidant.

Tomato juice contains vitamins and minerals are fairly complete. 100 grams of tomato juice will be obtained 7 mg of calcium, phosphorus 15 mg, 0.9 mg iron, 230 mg sodium, and potassium 230 mg. Vitamins contained in 100 grams of tomato juice is a vitamin A (1050 IU), vitamin B1 (0.05 mg), vitamin B2 (0.03 mg), and vitamin C (16 mg).

High lycopene content of
Tomatoes contain lycopene high. Lycopene is a pigment that causes red tomatoes. Like beta-carotene, lycopene belongs to the carotenoid group. There have been many studies that reveal the health benefits of lycopene.

Lycopene are known to have antioxidant capabilities and can protect the body against various diseases such as cancer and heart disease. Crushed tomatoes or cooked is the source of lycopene is better than raw tomatoes.

For example, the amount of lycopene in tomato juice can reach five times more than in fresh tomatoes. The researchers speculate, cooked tomatoes or destroyed may issue more lycopene, which is easily absorbed body.

Lycopene found in tomato cell wall. Therefore, with a little cooking oil could be released this component. In addition, cooking tomatoes with olive oil (olive oil) allows the body to absorb lycopene better (Ahuja et al., 2003).

Phenolic component is also important compounds in tomatoes potential, although in fewer numbers. This component provides a beneficial effect. Recently known that tomato puree (tomato destruction), contain small amounts of compounds called routine. Routine compounds can be absorbed and utilized properly by the body.

Author: Prof.Dr. Made Astawan, Lecturer at the Department of Food Technology and Nutrition-IPB

From : Healthy Life

Healthy Food For Children

A child can not yet determine their own food. Snack habits anywhere enables children to eat unclean foods and contain a variety of hazardous chemicals. Both are derived from the dye, giving a sense of, or preservatives. Chicken Balls can be a choice of healthy snacks kids and nutrient dense. Good luck. Recipes/Test Kitchen/Food Stylist/Image: Budi Sutomo.

Bola-Bola Ayam

Material:

1. 400 g chicken meat, minced
2. 3 tablespoons flour
3. 150 ml of fresh liquid milk
4. ½ tbsp margarine
5. 1 egg, beaten off
6. 40 g carrots, diced small
7. Oil for frying

Spices:

1. 3 cloves garlic, crushed
2. 2 spring onions, crushed
3. 1 leek, thinly sliced
4. ½ tsp pepper finely
5. ½ tsp fine salt

Layers:

1. 2 eggs, beaten off
2. 60 g flour PANIR

How to Make:

1. Heat margarine and saute onion and garlic until fragrant. Pour the flour has dissolved into a liquid fresh milk. Cook, stirring constantly until boiling. Lift.

2. Pour the flour porridge into minced chicken meat. Add carrots, pepper, salt, scallions and egg, mix well.

3. Take one tablespoon of dough. Form into dots. Do it until the dough out.

4. Dip the chicken balls into the beaten eggs, roll up PANIR flour until the whole surface covered with flour.

5. Heat the oil, fried balls of chicken until cooked and brown yellow. Lift. Set in a serving dish. Serve warm.

source : health food

Perkembangan koperasi di indonesia

Koperasi adalah badan usaha yang beranggotakan orang-seorang atau badan hukum koperasi dengan melandaskan kegiatannya berdasarkan prinsip koperasi sekaligus sebagai gerakan ekonomi rakyat yang berdasarkan asas kekeluargaan

Koperasi berperan sebagai lembaga ekonomi yang dijadikan andalan untuk mengembangkan pembangunan ekonomi Indonesia. Koperasi diharapkan menjadi sarana untuk membangun dan mengembangkan potensi ekonomi anggota koperasi pada khususnya dan masyarakat pada umumnya untuk meningkatkan kesejahteraan ekonomi dan sosialnya. Koperasi menjadi lembaga ekonomi yang dapat berperan aktif untuk meningkatkan kualitas hidup masyarakat.

Perkembangan koperasi di Indonesia mengalami pasang naik dan turun dan secara menyeluruh berbeda-beda dari waktu ke waktu sesuai dengan iklim lingkungannya. pertumbuhan koperasi yang pertama di Indonesia menekankan pada kegiatan simpan-pinjam selanjutnya perkambangannya yang menekankan pada kegiatan penyediaan barang-barang konsumsi dan kemudian koperasi yang menekankan pada kegiatan penyediaan barang-barang untuk keperluan produksi. Perkembangan koperasi dengan berbagai jenis kegiatan usaha tersebut menimbulkan kecenderungan menuju kepada suatu bentuk koperasi yang memiliki beberapa jenis kegiatan usaha.

Sejak tahun 1950 tingkat perkembangan koperasi begitu pesat.Dalam era demokrasi terpimpin, gerakan koperasi terkait dengan kondisi sosial politik nasional yang menghendaki adanya penyesuaian diri dari gerakan koperasi terhadap kebijaksanaan politik yang sedang berlaku.pada masa orde baru memacu gerak langkah masyarakat Indonesia untuk meraih cita-cita yang telah digariskan berlandaskan Pancasila dan UUD 1945.

Secara historis pengembangan koperasi di Indonesia telah digerakan melalui dukungan kuat program pemerintah dan telah dijalankan dalam waktu lama. Jika semula ketergantungan terhadap captive market program menjadi sumber pertumbuhan, maka pergeseran ke arah peran swasta menjadi tantangan baru bagi lahirnya pesaing-pesaing usaha terutama KUD. Meskipun KUD harus berjuang untuk menyesuaikan dengan perubahan yang terjadi, namun sumbangan terbesar KUD adalah keberhasilan peningkatan produksi pertanian terutama pangan (Anne Both, 1990), disamping sumbangan dalam melahirkan kader wirausaha karena telah menikmati latihan dengan mengurus dan mengelola KUD (Revolusi penggilingan kecil dan wirausahawan pribumi di desa).

Keadaan ini menimbulkan kesulitan pada pengembangan aliansi bisnis maupun pengembangan usaha koperasi kearah penyatuan vertical maupun horizontal. Oleh karena itu jenjang pengorganisasian yang lebih tinggi harus mendorong kembalinya pola spesialisasi koperasi.

Dan juga karena hambatan-hambatan yang di alami Indonesia di antaranya kesadaran masyarakat terhadap koperasi yang masih sangat rendah, pengalaman masa lampau mengakibtakan masyarakat tetap merasa curiga terhadap koperasi dan pengetahuan masyarakat mengenai koperasi masih sangat rendah.

Di dunia masih tetap mendasarkan tiga varian jenis koperasi yaitu konsumen, produsen dan kredit serta saat ini berkembang jasa lainnya. Struktur organisasi koperasi Indonesia mirip organisasi pemerintah/lembaga kemasyarakatan yang terstruktur dari primer sampai tingkat nasional. Hal ini telah menunjukkan kurang efektif nya peran organisasi sekunder dalam membantu koperasi primer. instrumen eksploitasi sumberdaya dari daerah pengumpulan. Fenomena ini dimasa datang harus diubah Untuk mengubah arah ini hanya mampu dilakukan bila penataan mulai diletakkan pada daerah otonom.

Pemusatan koperasi di bidang jasa keuangan sangat tepat untuk dilakukan pada tingkat kabupaten/kota atau “kabupaten dan kota” agar menjaga arus dana menjadi lebih seimbang dan memperhatikan kepentingan daerah (masyarakat setempat). Fungsi pusat koperasi jasa keuangan ini selain menjaga likuiditas juga dapat memainkan peran pengawasan dan perbaikan manajemen hingga pengembangan sistem asuransi tabungan yang dapat diintegrasikan dalam sistem asuransi secara nasional.

Pendekatan pengembangan koperasi sebagai instrumen pembangunan terbukti menimbulkan kelemahan dalam menjadikan dirinya sebagai koperasi yang memegang prinsip-prinsip koperasi dan sebagai badan usaha yang kompetitif. Reformasi kelembagaan koperasi menuju koperasi dengan jatidirinya akan menjadi agenda panjang yang harus dilalui oleh koperasi di Indonesia.

7 PRINSIP ORGANISASI KOPERASI

7 prinsip organisasi koperasi :

1. keanggotaan bersifat suka rela dan terbuka
2. pengelolahan dilakukan secara demokrasi
3. pembagian SHU dilakukan secara adil sesuai jasa usaha masing-masing anggota
4. pemberian balas jasa yang terbatas terhadap modal
5. kemandirian
6. pendidikan perkoperasian
7. kerjasama antar koperasi

maksud dari 7 prinsip organisasi koperasi :

• prinsip 1 : orang yang ingin masuk menjadi anggota koperasi harus suka rela tanpa paksaan dan dalam keanggotaannya dapat bersifat transparan terhadap sesama anggota koperasi.
• prinsip 2 : cara pengelolaan dilakukan berdasarkan hasil keputusan bersama contohnya dengan cara bermusyawarah dan pengelolahannya dilakukan dengan gotong royong dan saling membantu antara anggota koperasi.
• prinsip 3 : pembagian SHU dilihat sesuai jasa usaha masing-masing anggota. adil bukan harus dibagi sama rata dengan jumlah yang sama. tetapi, sesuai dengan jasa usaha dari masing-masing anggota.
• prinsip 4 : modal dalam koperasi di gunakan untuk melayani anggota atau masyarakat sekitar. dari pelayanan itu,diharapkan bahwa koperasi mendapat nilai lebih dari selisih antara biaya pelayanan dan pendapatan. oleh karena itu balas jasa terhadap modal yang diberikan kepada para anggota ataupun sebaliknya juga terbatas. tidak didasarkan semata-mata atas besarnya modal yang diberikan. yang dimaksud dengan terbatas adalah pemberian bals jasa atas modal yang di tanam pada koperasi akan disesuaikan dengan kemampuan yang dimiliki koperasi.
• prinsip 5 : adanya kesadaran untuk bisa mndisiplinkan diri kita dengan cara kita sendiri/ tidak bergantung dengan orang lain. apa yang seharusnya kita dapat lakukan/kerjakan seharusnya dapat kita lakukan sendiri tanpa melupakan kodrat kita sebagai makhluk sosial.
• prinsip 6 : peningkatan kualitas sumber daya manusia koperasi sangat vital dalam memajukan koperasinya. cara meningkatkannya dengan pendidikan perkoperasian.
• prinsip 7 : koperasi ada yang mempunyai usaha di bidang yang sama maupun berbeda. koperasi tersebut pada dasarya mempunyai misi yang sama yaitu untuk mensejahterakan anggota dan masyarakat. agar tujuan tersebut di capai koperasi tersebut saling menggunakan kelebihan dan menghilangkan kelemahan masing-masing sehingga hasil akhir dapat di capai optimal.

DEREGULASI. . .

Dari sudut ekonomi, deregulasi mempunyai arti suatu perubahan dari suatu keadaan dengan peraturan-peraturan tertentu yang menghambat kegiatan ekonomi menuju situasi tanpa regulasi atau berkurangnya regulasi. Dengan kebebasan gerak produksi, distribusi, dan konsumsi modal, barang, serta jasa itu, volume kegiatan bisnis swasta diharapkan melonjak.

Beberapa Contoh dari deregulasi :

· untuk menambah devisa Negara, pemerintah melakukan deregulasi di bidang ekspor

· deregulasi untuk pembebasan tata niaga perdagangan yang nantinya akan memberikan dampak penurunan harga dan pilihan yang lebih banyak bagi konsumen.

· Deregulasi terhadap pengurangan kemiskinan yang berasal dari peningkatan pertumbuhan ekonomi akibat realokasi sumberdaya dipasar factor produksi.

Vitamins and minerals

Natural vitamins are found only in living things, that is, plants and animals. Your body, with a few exceptions, can't manufacture vitamins. They must be supplied in your food or in dietary supplements but supplements can't replace food, especially fruits and vegetables which provide thousands of substances, some of which have well-known functions, and some whose roles in the human body are not yet understood or recognized.

Vitamins and minerals ...

? reduce your risk of getting a stroke or heart attack!
? strengthen your nails!
? improve your hair condition, strength and growth by providing certain essential nutrients to the hair follicle!
? beautify your skin by keeping it smooth, soft and disease-free!
? provide essential compounds that are necessary for growth, health, normal metabolism and physical well-being! Without them, you would die!
? promote normal growth and development!
? maintain bone density and strength!
? regulate blood clotting!
? help in the function of nerves and muscles, including regulating a normal heart beat!

When it comes to choosing a healthy diet for their children, many parents don't realize the important role that beverages play. For example, fruit flavored drinks and soft drinks are not a substitute for real fruit. Many of these drinks only contain 10% real fruit juice. The very best drinks are made from

Cerita singkat tentang Koperasi di sekolah SMA ku. . .

Koperasi sekolah adalah koperasi yang di dirikan oleh para siswa sebagai tempat pendidikan dan latihan berkoperasi di sekolah. koperasi sekolah tidak berbadan hukum dan kepengurusannya di serahkan kepada siswa atau pengurus sekolah. sewaktu saya masih duduk di bangku SMA, saya tidak masuk kedalam keanggotaan koperasi sekolah. saya hanya memanfaatkan adanya koperasi di sekolah.

Di koperasi sekolah saya menyediakan usaha pertokoan yaitu usaha yang menyediakan perlengkapan sekolah seperti alat tulis,buku-buku pelajaran,alat-alat peraktek sekolah dan perlengkapan pakaian sekolah seperti dasi,topi,dan baju seragam sekolah. selain usaha pertokoan, di koperasi sekolah saya juga menyediakan usaha cafetarian atau kantin kecil, di sana menyediakan minuman dan makanan kecil. kalau untuk makanan dan minuman yang tergolong berat tersedia di kantin sekolah. sayang sekali di koperasi sekolah saya tidak menyediakan usaha jasa seperti fotocopy. andai saja ada usaha jasa fotocopy ,jadi tidak perlu keluar sekolah untuk fotocopy.

Pengurus koperasi di sekolah saya terdiri atas para siswa yang ikut dalam anggota koperasi dan pengurus sekolah juga ikut menjadi pengurus koperasi. guru hanya membimbing dan mengawasi para pengurus koperasi sekolah dan mengawasi jalannya kegiatan koperasi di sekolah. seluruh warga sekolah turut memelihara dan menjaga koperasi sekolah.

Koperasi sekolah sangat banyak manfaatnya. diantaranya memenuhi kebutuhan para siswa dan mengembangkan kesejahteraan siswa di dalam dan diluar sekolah. koperasi merupakan alat untuk mengusahakan kebutuhan sekolah bagi para siswa. koperasi juga menunjang program pembangunan pemerintah di sektor perkoperasian melalui program pendidikan sekolah.

Men and Woman Jokes

The woman applying for a job in a Florida lemon grove seemed way too qualified for the job.

Foreman: "Look Miss, have you any actual experience in picking lemons?"

Woman: "Well, as a matter if fact, yes! I've been divorced three times."

* * *

There were three guys talking in the pub. Two of them are talking about the amount of control they have over their wives, while the third remains quiet.

After a while one of the first two turns to the third and says,

"Well, what about you, what sort of control do you have over your wife?"

The third fellow says "I'll tell you. Just the other night my wife came to me on her hands and knees."

The first two guys were amazed. "What happened then?" they asked. "She said, 'get out from under the bed and fight like a man'."


* * *

Getting married is very much like going to a restaurant with friends.You order what you want, then when you see what the other person has, you wish you had ordered that.

* * *

At the cocktail party, one woman said to another, "Aren't you wearing your wedding ring on the wrong finger?" The other replied, "Yes, I am, I married the wrong man."

* * *


After a quarrel, a husband said to his wife, "You know, I was a fool when I married you." She replied, "Yes, dear, but I was in love and didn't notice."

* * *


A lady inserted an 'ad' in the classifieds: "Husband wanted". Next day she received a hundred letters. They all said the same thing: "You can have mine."

* * *

The bride, upon her engagement, went to her mother and said, "I've found a man just like father!" Her mother replied, "So what do you want from me, sympathy?"

* * *


When a woman steals your husband, there is no better revenge than to let her keep him.

* * *


Man is incomplete until he is married. Then he is finished.

* * *


A little boy asked his father "Daddy, how much does it cost to get married?" And the father replied, "I don't know son, I'm still paying."

* * *

Young Son: "Is it true, Dad, I heard that in some parts of Africa a man doesn't know his wife until he marries her?"
Father: "That happens in every country, son."

* * *


"I never knew what real happiness was until I got married; and then it was too late."

* * *


A woman was telling her friend, "It is I who made my husband a millionaire."

Friend: "And what was he before you married him?"

Woman: "A billionaire."

* * *

During a heated spat over finances the husband said, "Well, if you'd learn to cook and were willing to clean this place, we could fire the maid." The wife, fuming, shot back, "Oh yeah??? Well, if you'd learn how to make love, we could fire the chauffeur and the gardener."


* * *

When making love, most married men fantasize that their wives aren't fantasizing.

* * *


How do most men define marriage? A very expensive way to get your laundry done free.

* * *


The most effective way to remember your wife's birthday is to forget it once.

* * *

First guy (proudly): "My wife's an angel!"

Second guy: "You're lucky, mine's still alive."

Healthy living With Mediterranean Way

Mediterranean style of eating patterns can make us healthier and longer age. Condition? Should consume lots of vegetables and seafood. Plus "a little" red wine and enough rest. More healthy body and life expectancy is longer.

Mediterranean style diet has many benefits. If done correctly, then the disease such as heart attack, high blood pressure, to some types of cancer would be far from you. Enough nutrition experts recommend that this type of diet. Need not be bothered to read the user guide for more diet, calorie count, to search for food that are difficult to obtain. This diet is very simple, but delicious. So what, is, in fact this Mediterranean style diet?

This diet is actually based on the traditional meal pattern, countries located in the Mediterranean Sea, such as Greek, Spanish, Portuguese, North France, Morocco, Turkey and Southern Italy. Cuisine in each country that may feel different and also different techniques cook. But if we look more detailed, in fact there is one similarity. Overall use fruit and vegetables that quite a lot. Plus seafood, olive oil, garlic, spices and fresh red wine. They only use a little red meat and milk. It also rarely use the sweet and the food is preserved.

Live longer
Monash University's research appears to support this opinion. Compared with Australia, the heart attack on migrants from Greece is below average. But her children, the descendants of the first Greek in Australia, had a heart attack a number approaching the average. What is it? Apparently eating healthy tradition of ancestor is replaced with more food, red meat, fast food and sweet food.

Health in this Mediterranean style diet can not rely on one food only, but a number of variations of food. For example, the use of olive oil that many will contribute to a high-monounsaturated fat and low saturated fat and polyunsaturated. Tomato, garlic, red wine, and vegetables provide antioxidants high womb. While seafood contributes omega-3 fat is good for the heart.

Lifestyle factors
Research shows sports, stress reduction, and social support have contributed to reduce the risk of heart disease. If you look at how to cook Italian or Greek, they went to the local market to get fresh ingredients and not over-cook. Fast food or food terproses rarely used. Similarly, cultural food take away the style of Western also rarely found.

Not seldom they walk or bicycle to nearby villages to do the sale and purchase agreement. Many of the food prepared by hand, not with the tool. Similarly, a variety of vegetables each day that quoted from the garden. More kesegarannya guaranteed. All this activity will endorse a more healthy body. This healthy dish can also strengthen ties in the family and community. You can eat lunch together with a relax, and resumed the day of rest. Create a day that relaks with the family to stay healthy.

Switch to olive oil
Olive oil contains more than 70 percent fat "good" mono-unsaturated. Highest abortion among other types of oil. Extra virgin olive oil with the cold-pressed process has natural antioxidants such as vitamin E, such as in polifenol and karotenoid. Extra virgin olive oil is also low so that the acid is suitable for salad and vegetables are cooked. Pure olive oil is usually a mixture of extra virgin oil saitun and processed. Suitable for this type of cooking.

Create a healthier pasta
Pasta often considered a fat food. But the sauce is pastanya that contribute to more obesity. To be healthy, use in the Mediterranean style of topping up your fettuccini. Try tomatoes, or tomato-based sauce, chili, zucchini and other various vegetables. Add the seafood and fresh ingredients such as basil or oregano.

Use garlic
Garlic has been smooth flow of blood, reduce cholesterol, and improve blood vessel elasticity. In raw, garlic also contains the ability antibakteri way stop bacterial growth and also the evil fungus causes fermentation.

Tomato
Tomato is very popular in the Mediterranean region. Can be used in pasta, pizza to be sliced for salads or dried. In addition to source vitamin C, tomatoes contain lycopene, antioxidants for a Mela-wan oxygen free radicals. Lycopene is what makes tomatoes red. Tomato cooked with the oil tambahakan will add power to the body absorb lycopene.

Try a variety of seafood
Fish and other seafood, such as squid and oysters, contain omega-3 fat that powerful. There is also a protein and mineral contents such as Iodine and potassium. Omega-3 is known for its ability to reduce the risk of heart disease with a lower triglyserida (blood fat) and prevent the occurrence of heart trouble tap (arrythmia). .

Smoothie and Shake Tips

1. A smoothie is basically a blended fruit drink. The best-tasting smoothies are made from fruit that is fresh or frozen, and not canned.
2. All smoothies begin with a liquid base. This can be orange juice, milk or another liquid.
3. You can make a frostier drink by freezing fresh fruit before making a smoothie.
4. Smoothies are best when they're fresh out of the blender, but they can be frozen the night before, as well – just remove the smoothie from the freezer about an hour before drinking.
5. You can replace a meal with a smoothie or shake by adding a scoop of high-quality protein powder and a tbsp. of high-quality olive or flax oil.

Design of Passion award

Thanks a lot for My lovely friend Sifa (Langit Malam) for this award. Because this is my first award.

award : design of passion
owner : Tips For Woman
Sent by:

Anggy,Rizky,Arya,Ote,Tatsuya,Irawanqq,BilbOyzshop,gr3nall ,information ,DaStRo ,SiFa

How to cook a healthy potato

Many believe the mother of French fries can be part of good diet and balanced. In fact, anything you choose, no problem. Because potatoes are eaten with the skin make vitamin C Feed, and one of the best sources of fiber and potasium. Meanwhile, the chef trying to find better ways to make potatoes, good oil to use with the "healthy" or without fried. This is the trick fry potatoes, that can be enjoyed without the worry of fat hikes after that.

1. 
   
   Buy frozen potatoes. Several companies now produce frozen potato with materials that have been tested first, and their fat, good for the body. Look for frozen potato products that kalorinya no more than 120 grams. For info, 3 oz in each dish are 3.5 grams of fat.


2. Stock fried potatoes. Dish of potatoes fried with a new way of processing, which is first boiled and then fried before given the wind, can be an option. 3 oz Each dish contains about 180 calories, 6 grams fat, 1 gram of fat and saturated.


3. Create your own. We can make your own potato relish dish that is rich with antioxidants to follow this recipe below:


4. Rainbow potatoes (for 4 portions) 5 potato slices fruit 1 cm long. Rendam potatoes in cold water for 45 minutes. Then, cut 1 medium sized sweet potato lengthwise, as much as 1 cm. Hot oven to 200 degrees Celsius. potatoes are soaked, Mix with the sliced sweet potatoes, 3 tbsp olive oil, salt, and pepper. Horizontal row in the brass. Rooms up to 40 minutes, back, and roast again until the potatoes so the color brown.

5 Easy Steps to Speed Up Your Computer With no Fees

A lot of people are interested in making the most of their hardware. With that, here are 5 simple tips on how to make your Windows Operating System run faster without having to purchase additional hardware.

1. Defrag Disk allows to Speed Up Access to Data

Disk fragmentation is one of the cause for computer's slow performance. When files are fragmented, it leaves gaps here and there and the computer must search the hard disk when the file is opened to link it back together. By running the Disk Defragmenter it will speed up the response time.

* Follow Start > All Programs > Accessories > System Tools > Disk Defragmenter
* Click the drives you want to defrag and click Analyze
* Click Defragment

2. Detect and Fix Disk Errors

Your hard disk will develop bad sectors over time. It will slow down the hard disk performance and sometimes make data writing difficult or even impossible. To detect and fix disk errors, there's a tool called the Error Checking utility. What it does is that It will scan the hard disk for bad sectors and system errors and then repair them, rsulting in faster performance.

* Follow Start > My Computer
* In My Computer right-click the hard disk you want to scan and click Properties
* Click the Tools tab
* Click Check Now
* Select the Scan for and attempt recovery of bad sectors check box
* Click Start

3. Turn Off Indexing Services

Indexing Services is a small application, but uses a lot of CPU. By indexing and updating lists of all the files on the computer, it helps you to do a search for something faster as it scans the index list. But if you know where your files are, you can disable this system service. It won't do any harm to you machine, whether you search often or not very often.

* Go to Start
* Click Settings
* Click Control Panel
* Double-click Add/Remove Programs
* Click the Add/Remove Window Components
* Uncheck the Indexing services
* Click Next

4. Remove Fonts for Speed

Fonts, especially TrueType fonts, use quite a bit of system resources. For optimal performance, limit your fonts down to just those that you need to use on a daily basis and fonts that applications may require.

* Open Control Panel
* Open Fonts folder
* Go through and remove the ones you hardly use

5. Run Registry Cleaner

Over time, the Windows registry becomes bloated with invalid and corrupted entries. These invalid entries remains due to the uninstallation of software that leaves a trace. By not having a clean registry it will slow down your computer significantly. By using an advanced registry cleaner it will repair and remove those invalid and corrupted entries. We recommend Registry Easy as it's the best one on the market.

World's Best Cruise Ships

With the best cruises you can explore the vast seas and exotic locales in a relaxed manner while enjoying the best benefits offered in the ships. With ships that feature world-famous chefs, premiere spa service, Broadway shows, and even helicopter tours, these fantastic ships are sure to make the trips exciting and memorable. Whether it is a family, luxury or a romantic trip that you are looking for; here are some of the best cruise liners for you.

Norwegian Cruise Line

This cruise ship is famous for its tours of the Hawaiian Islands. As big as three football fields the chip has 25 decks and 372 rooms for the guests together with exclusive suites. The travelers have full freedom to choose from a range of activity and dining choices. There are a range of international dishes that are on platter and guests can look to have a great time indulging in some of the finest cuisines from around the world. There are also 13 bars where the guests can have some of the choicest drinks.

There are also a wide array of on-board activities to choose from including ping-pong, yoga, aerobics, cooking, and talent shows.

Radisson Seven Seas Mariner

This cruise line is famous for having some of the best trips to great locales including Sydney, Singapore, Sweden, Cape Town and Peru. While on board, there are spa and massage facilities that are there. There are also golf cages where you may like to practice your swing. For the intellectuals there is the Lecturer Program where world famous historians, diplomats, and anthropologists speak about a range of world issues. There is also a well stocked library where you can spend a quiet afternoon.

The ship features all-balcony accommodations and luxury and comfort is guaranteed. The cruise is also well known for its dining facilities. Travelers can enjoy some of the best dishes from the onboard branch of the famous Le Cordon Bleu culinary school.

Nantucket Clipper

The cruise ship is favored by travelers as it visits places that other ships generally do not go to. The intimate settings and the personalized services offered by the guests make it an enjoyable experience to be on board. The ship follows routes along the U.S. Atlantic Coast, Latin America, Canadian coast, French Canada, the Great Lakes and Nova Scotia. There are also many other optional excursions that are available to guests allowing them to explore wonderful sights including colonial Southern mansions, ancient Mayan ruins of Tikal, Niagara Falls and many more. There is also an on-board historian and naturalist who will give talks on the day's sights.

Seabourn Spirit

This is cruise ship renowned for its opulence and excellent service. There are 8 decks and all suites accommodations. There are a host of signature delights that the passengers are treated to once they are on board. The ship's itineraries are exotic and are favored by the well heeled travelers.

A trip on these cruise lines is something that you will treasure for a long time.(steven kirby)

Financial Advisors - Helping Or Selling?

Financial Advisors are not the core problem with mutual funds. No doubt most of them really mean to help. But the Mutual Fund Industry teaches them to do some silly, counterproductive things with your money, things that have you working longer and enjoying life less. Here's the amazing thing about financial advisors: They are, after all, "financial professionals."

The reality is, they don't understand how to grow your money any better than you do. And not only don't they understand, they just don't have the time. They're very busy bringing on new business; so busy, in fact, they don't have the time to really look at what's best for their clients based on their own research. So they use independent rating companies or the Morningstar Style Box, or a 3-5 year on-line view of fund performance as a substitute for real research.

If not, they'll use some sort of software, which is what I call "rear-window-basis software." And if you've ever sat down with a financial advisor, they ask your age, and then in about one minute, somehow they know the exact split to recommend. In 60 seconds or less, the financial advisor will say, "Oh, you need to be in a 60/40 split - split 60% in cash, 40% in bonds."

It takes more than a minute to figure out what is best for a client. There are hopes, there are dreams, there are risks, there are rewards, and there is no way some computer software program can kick out a number to tell me what's best for my client. Just to be clear, this software is ridiculous. It's silly. A software program that knows what's best? Absurd.

But again, it's simple, it's easy, and the financial advisor can push the responsibility off on the rating company or the software they use. Now, I'm not saying whether financial advisors are good people or bad people, I'm simply pointing out that these advisors don't really know how to grow money. Again, it's because of what they're paid to do. They're salespeople. They're not doing deep-value security analysis.

Here's the ultimate silliness: Not having time, the advisors probably do the best they can. So they look to the mutual fund companies and ask, "Hey, what should our clients buy?"

I'm not sure we should be looking to fund companies to ask them what we should buy. It seems like Little Red Riding Hood asking the wolf, "Hey, where do I go for a really good meal?" And she gets there and finds out, of course, that she's the meal. You really should use an objective, unbiased point of view to help with that.

There is another thing that advisors do that is mistaken and horrible for your wealth. If you have an advisor from a publicly traded company, I can just about guarantee that you were told to do this. It's called rebalancing. Rebalancing is typically done at the end of the year. If one of the sectors grew a lot and the others didn't, some of the winnings from that sector are put into the sector that didn't grow that well. What's crazy about this is that that's predicting. You're predicting that the bad sectors or investment will start doing well. I mean, you have to be predicting, or you wouldn't put that extra money in the downturning investments you have.

Predicting is really dangerous. It's also dumb. Think of it: it's 1986, and you put 4% of your portfolio into a company called Microsoft. This grows and grows, and by 1996 it represents 70% of your portfolio. Your portfolio, because you had that huge gainer, has grown way, way faster than the S&P. So your financial advisor says, "Wow, no, that is growing way too fast for you. That is making way too much money for you. We've got to pull the reins in on this. That's getting risky." Only it's not. If you put 4% in an investment and this grows over 10 years and represents 50% or your investment, it's okay. In one sense, you only risk that 4%.

Rebalancing is very dangerous, as this limits your winners and promotes your losers. You can never hit the big numbers if you keep selling your winners like rebalancing would do. So if your financial advisor has suggested rebalancing, you should seriously consider moving somewhere else. I've never met or read about someone that uses rebalancing who's wildly successful in growing and protecting their funds; the ones with mediocre-to-poor returns? I've met plenty of them who do rebalancing.

So why do financial advisors suggest rebalancing? Good question. It must be so they can look like they are working for that 1% you are paying them to grow your money slightly worse than the unmanaged S&P 500 index.

How I can prove most advisors don't know how to grow your money? Go pull up a list of your stock market returns since you started investing and compare them with the returns of the S&P 500 during the same time period. About 99% of you will notice that the unmanaged S&P500 has outperformed.

Relinquishing control of your financial future to a sales person, even one you like, does not work. Look at what has happened to the share price of those institutions. They have not grown their clients' money in a decade.(Ronald Peck)

How Can I Play Windows Media Files (Wma and Wmv) On a Mac?

Apple's Quicktime movie format (recognizable by its *.mov extension) has become and almost standard for video files. It beats most other video formats in terms of compression and both video and audio quality. The quicktime format, however, is by no means the only format for videos out there. In a world where over 90% of all personal computers run Microsoft Windows it is no surprise that you are bound to stumble over videos in the Microsoft Media File format (.wma and .wmv). How can you play these kind of videos on a Mac?

While there are about a handful of options, two of them are more reasonable than the others for a bunch of reasons: the Flip4Mac Quicktime plugin and VLC Media Player.

Flip4Mac

Flip4Mac is a plugin for Apple's Quicktime movie player. Being a plugin it will enable Quicktime to play Windows Media Files. This has the advantage of there not being an additional application being installed on your Mac. Also, you will be able to watch (and listen to) Windows Media files in the software you are used to that has the type of user interface you expect when working on a Mac.

Flip4Mac is produced by a company named Telestream which offers five different versions of the plugin (Player, Player Pro, Studio, Studio Pro, Studio Pro HD). While it is reasonable to buy one of the commercial editions (buying software to support developers is always a wise idea) you can do very well with the free edition.

Installation of Flip4Mac is very easy. After downloading the plugin from either the Telestream site or Microsoft (for links see the resource box) open the downloaded .mpkg file and the plugin will be installed.

After installation you will be able to play following additional file formats with Quicktime:

• Windows Media Audio (.wma)
• Windows Media Video (.wmv)
• ISO Mpeg Layer 3 (MP3)
• ISO Mpeg-4
• Microsoft Motion JPEG
• And a few other, less used formats

VLC Media Player

The free VLC Media Player is your second reasonable option. This piece of software is open source, continually worked on by its open source developer community and is probably the most versatile media player in terms of supported formats out there.

Installation is as easy as downloading the dmg file (for a download link see resource box) and then drag and drop the dmg file into your Application folder.

VLC Media Player is a very reliable and versatile media player. There is one downside however: like so many other pieces of software written for all major platforms (Windows, Linux, Mac OS) its user interface does not follow Apple's guidelines. VLC simply doesn't look or feel like a Mac application.

Summary

Both, VLC Media Player and Flip4Mac, are very good options if you need to play Windows Media files on your Mac. There is no problem having both of them installed on the same machine. If, however, you prefer to have as little software installed on your Mac as possible, you should opt for Flip4Mac.

Cell Phone Forensics at Its Best

While everyone is aware of how far technology has come today, many forget really how much specific devices can tell about various events. Cell phone forensics has become a vital piece of information and evidence that is used in criminal trials. Between being highly sophisticated and rather simple at the same time, this device can be extremely beneficial in criminal investigations.

The main reason cell phone records are used in court is to determine where people were and who they were talking to. What you may not realize is just how easy it is to track where you are when you were talking on the phone.

Despite cell phones being fairly sophisticated devices, they really are nothing more than a two-way radio. They are constantly connecting and communicating with a network by sending pings to the nearest transmission tower. Because of this, it makes it fairly simple to route calls correctly.(Ed Opperman)

There are multiple antennas that track your phone's signal because of the fact that a single tower only covers a few square miles. However, cell phone forensics is made possible with the help of countless towers spread all over. As you move, your call travels and is handed over to the base station that receives the strongest signal from the phone. This means that wherever you go, your signal can and will be tracked.

The carrier keeps detailed records of which towers your phone has made contact with and what time it did so. What this means is that where you and your phone are located can be tracked within a few hundred yards. Urban areas allow you to be tracked even more precisely by the block.

To make cell phone forensics even easier, many phones have become equipped with GPS chips. As long as it is turned on, this allows the carrier and anyone looking to attain evidence and records your exact location in real time.

This information has different ramifications on different people. For some, it can be a great way to track down where your husband or wife really went during a "business vacation." For others, it can lead to your conviction in some kind of criminal trial. It all depends on how you look at the technology and what you are hoping to get out of it.

For now, there is no doubt that cell phones have played a major role in criminal cases and many other types of trials. With the ability to track where you are, where you have gone, and what time you were in the location, cell phones can either be your best or worst enemy in regards to cell phone forensics.

How to Speed Performance on Windows XP Home - Your Ultimate Guide to XP Home Performance Tuning

You want to know how to speed performance on Windows XP Home because after a few weeks of purchasing your computer, you are already experiencing slow speed or the performance of your computer is not as good as it was the first time you bought it. The operating system may not be as fast or there might be some frequent errors that occur from time to time. This article will show you how to improve performance of the system.

Slow performance issues on a windows XP operating system are oftentimes rooted to a corrupted registry. As such, cleaning the registry is an effective solution to fix and restore the reliable performance of your operating system. The registry is the focal point of all the files, programs, settings of your system and when the registry becomes corrupted, these results to several issues the most common of which is slow performance. Getting a good registry cleaner or fix is an effective way on how to speed performance on Windows XP Home.

How to speed performance on Windows XP Home need not be a daunting task. You may be frightened to do something about your computer because you think that anything that has to do with the registry is highly technical. But with technology making things simpler, easier, and more convenient, the only thing that you need to do is to find for the most effective registry cleaner software that will detect all the errors and fix them accordingly. Even this effort of finding one should not be difficult as you can take advantage of the vast resources you can get from the internet. Do your search and visit several review sites to get enough information from which you can base your sound decision.

You would think that the registry cleaner is just mean to delete all unnecessary registry files and junks from your computer. No. An effective registry cleaner has also the capability of compacting your registry; optimize it in such a way that after the process, your Windows XP Home behaves almost exactly the way it does when you first bought your computer.

There are countless valuable resources and materials that you can get from the internet showing how to speed performance on Windows XP Home. Sometimes all it takes is to pull up the correct site and presto, you can now have a revolutionary tool at your hands to fix the registry and enjoy the fast speed of your computer system.

Find out how to speed performance on Windows XP Home painlessly using registry cleaner. Do a free registry scan now.(george Tho)

Benchmarking - How to Achieve Spectacular Mediocrity

Benchmarking is the ultimate admission that most mutual funds aren't true investments, they're marketing tools. If you believe in benchmarking, then you need to read this article, for benchmarking is not in your money's best interest.

There's a most dangerous game that's played at the mutual funds. It's something called benchmarking, or relative returns. And it is very dangerous to your wealth. Let me explain this game that is being played. Let me tell you what benchmarking is. A benchmark is something like the S&P 500 or the NASDAQ. And what fund companies or financial advisors ask is, "Well, what's the benchmark?"

Let's just use the S&P to figure this out.

An advisor may not tell you this, but this is really what's happening: He'll say, "I'm going to make sure your money grows or falls within 1% or 2% of what the S&P benchmark does." So if the S&P benchmark goes up 25% in a year, the money that the fund family or financial advisor manages will grow anywhere between 23% and 27%. You may say to yourself, "Hey, that's not that bad. I don't mind if someone can grow my money plus or minus 2% when the market grows 25%." But you should mind, because this makes their job limited to staying close to the benchmark so their relative returns look good. Relative to what the benchmark is doing, their returns will look either not bad or a little bit better. But 85% of mutual funds are actively managed mutual funds, and they're all doing this benchmarking.

That means that you could buy an index mutual fund, pay 1/8th or 1/10th the fees, and get either the exact same returns or a much better return by simply buying the index. At the very least, you're wasting money in fees. The fee may sound small, only 1% of assets under management. But if you're investing hundreds of thousands or millions of dollars, this quickly costs tens of thousands of dollars a year that aren't growing for you. If you take that number and grow it out over 30 years, it's easily worth $500,000 if you don't pay those fees and invest them in the same index mutual fund.

This benchmarking is a standard formula for avoiding failure, but not for achieving success. The mutual fund industry, financial planners, JP Morgan, Morgan Stanley, Raymond James, Edward Jones, Ameritrade, they create that structure: "Oh, look; we've stayed next to the benchmark." And most investors go, "Oh, that's great. You stayed next to the benchmark."

Now, when the benchmark goes up 25%, that's one thing; but what if the benchmark falls 38.5 %, like the S&P did in 2008? Well, they're going to do the same thing; they're going to stay, plus or minus a couple of percent, alongside the benchmark and charge their management fees and expenses. Again, why would you want to stick with a benchmark that's falling?

Because of relative returns or benchmarking, you may say to yourself, "Well, what can I do? The benchmark fell" or "the market fell." And the answer to that is, you don't have to stick with the benchmark when the market is falling.

There are periods of times when owning stock is not prudent. That's right, I'm saying you should not always own stocks, you shouldn't always necessarily own stock.

Conventional wisdom says that if you're not in the stock market, you don't win. That's garbage. There are periods of time when you should not be in the stock market. Wall Street "experts" tell you investing is a highly complex business and you had better act like a lemming and do what your trusted financial expert tells you to do. But this strategy only works in long-term secular bull markets. What about the other 50% of the time?

Thi wonderfull post on Tips-for-woman.blogspot.com from By Ronal Peck

Choosing A Car Accident Insurance Policy

Everyone who drives a car needs car accident insurance policy. In most states, it is actually required by law. The problem arises with what kind of car accident insurance policy you should get.

Car accident insurance policy is based on different factors like age, gender, model of car and of course the type of coverage you are looking for.

Before deciding on a car accident insurance policy, the first thing you need to find out is what coverage you need. Some of the coverage may be required by law while others are optional.

Here are some basic types of coverage you can get:

• Liability – This covers the expenses for injuries and property damages other people sustained after an accident including medical expenses, pain and suffering, and lost wages. It also pays for damages to property and to the vehicle. This will only cover those costs if you are at fault

• Collision – Pays for damages to your car that is caused by a collision with another vehicle or object.

• Comprehensive – Pays for loss or damage that is not a result of a car accident. This includes loss as a result of fire, flood, vandalism or theft.

• Medical Coverage – Pays for your medical expenses regardless of who is at fault as long as injuries are caused by a car accident.

• Personal Injury Protection (PIP) – Required by some states, it pays for the medical expenses of the insured driver for injuries that are caused by a car accident.

• Uninsured Motorist – Pays for the damages to your car if the one at fault has no liability insurance.

• Underinsured Motorist – Pays for the damages to your car if the one at fault has insufficient liability insurance.

• Rental Reimbursement – Pays for the damages to a rented car that was a result of a car accident.

After you understood the types of coverage, you can consider these factors to decide what kind of car accident insurance policy you need.

• Know your state laws – Know what car accident insurance coverage is required in the state you live in. For the record, 47 out of the 50 states require all drivers to have liability insurance and fifteen states require all drivers to also buy PIP.

• Know your options – Know what type of coverage you need. That is the key to choosing the right car accident insurance policy.

• Know how much are you able to spend on insurance – After you examined what is required by law and your actual insurance needs, the first thing you need is liability coverage. It is not recommended to purchase the minimum coverage because if you are the cause of a car accident, it might be insufficient. For the other types of coverage, examine how much more can you spend for insurance after getting sufficient liability coverage.

• Know your car – Ask yourself, if your car was totaled or was stolen, will you be able to replace it? If not, then you may need comprehensive and collision coverage.

• Know about your other Insurance – A lot of people do not realize that other types of insurance like health and homeowner’s insurance may cover damages caused by car accidents.

Guides and Tips to Car Accident Insurance Claims

Millions of car accidents happen each year in the United States alone. With these accidents come thousands of fatalities and countless injuries.

When you sustained a personal injury or one of your family members died because of a car accident, you may be entitled to some compensation from your insurance company or the insurance company of the person who is at fault for the accident.

Car accidents are traumatic enough for the victims, the physical stress coupled with high emotions and the worry about the future can put one on edge especially if the victim is a breadwinner or someone who contributes a significant amount to the family’s finances.

The complications of claiming car accident insurance might add to the trauma if one does not go about it correctly.

Car insurance companies may look like the friend you really need during times of distress but these companies’ priorities are still themselves so they would look to pay you the least amount possible or nothing at all.

What you can do after a car accident is follow some basic steps if you want to ask compensation from your or the person at fault’s car insurance company.

Here are some steps you can follow when you want to file for a car accident insurance claim:

• File an accident report even if it is just a minor accident.

• Get a copy of the police report.

• Check what kind of protection your car accident insurance provides.

• Make sure that your medical record will be released and presented to the insurance company.

• File a claim for physical injuries through medical coverage.

• If another party was at fault for the accident, file the claim under uninsured motorist coverage.

• Prepare car repair estimates from at least two companies.

• Document all expenses including car towing and storage.

• If you have rental reimbursement coverage then you can ask the insurer to arrange a temporary car for your use.

• If other damages were discovered during repair, you should notify the insurer as well.

An attorney who has experience with negotiating with car accident insurance companies will be very helpful to your cause.

Here are some things that you can do to help speed up and ensure your claim’s success:

• Notify the insurance company about the accident immediately.

• Read your insurance policy so that you are aware of what type of coverage you have.

• Get details of the accident. Include location, road conditions and the weather. Get the car model, color and plate number of the vehicles involved as well.

• Take note of the insurance details of the other people involved.

• Document all expenses and receipts that you accumulated because of the car accident.

• Check if you have other insurance that covers the same accident.

• Consult with a car accident lawyer.

These are just some tips you can follow to ensure the success of your car accident insurance claim.